Amex cards: Blue vs Optima Pla

If you're considering which one you should apply for, opt for the Blue.

1. APR for the Blue would normally be lower (though Opt Plat may go as low as 9.99%, while for the Blue it's 10.99%).

2. Introductory APR: The Blue wins: 0% for 6 months.

3. Reporting Limits / High balance: The Opt Plat will always report zero credit limit. This hurts my score badly. The Blue will at least report my true high balance. Sure, you could try contacting Amex Credit Bureau Unit (Since this is a family board I'm unable to say what I think of that unit).

4. Rewards: Blue seems to have a great rewards program, the Blue Loot.